Door sticker says never exceed 1263 lbs of cargo/passengers.

ib516 wrote:
The difference is due to 2 reasons:

1) The high payload rating is for a base model.

2) GM and Ford are/were both liars when it comes to their payload ratings. They each do/used to remove equipment (like bumpers, spare tires, radios, and center consoles) before weighing the truck so they can artificially increase the payload rating.

LINK

:B OUCH
That's got to leave a mark.

RKW wrote:

jody h wrote:

ryanw821 wrote:

RKW wrote:
I figure I'm overloaded by 250 lbs. I guess I could make the wife and the dogs ride in the trailer (joke). I've been looking at new trailers. Instead I need to be looking at a new TV.

What got me researching my own TV ratings was watching my buddy buy heavier and heavier 5th wheel RV's without changing his TV. Two trailers ago he installed an additional leaf spring to "take out the sag of the truck bed". Then he bought another trailer 3 months ago and said he needed another leak spring! That got us in an argument about him being overloaded. He said he checked the numbers and he was still in range. I told him I didn't check the numbers on his TV but I could still tell he was overloaded just using common sense. The 5th he has now has a dry hitch weight of 1428 lbs. He has a 2004 Nisan Titan 4X4 (half ton). That's just plain nutz.

Sounds like he is probably dangerously overloaded, heaven forbid he was to be involved in, or be the cause of an accident, he could be looking as some serious criminal charges for something like that. Not to mention insurance companies will not usually pay out on any claims if you are past weight limits of the vehicle.

He could add leaf springs till hes blue in the face, it would never change manufacturers ratings of the vehicle, which is all a crime scene or insurance investigator will care about, they may use it against him saying "he KNEW he was overloaded, why else would he add more springs".

Boy people don't know what they are talking about. Your insurance co will pay they don't say we aren't going to pay because your weight was over. Thats the stupidest thing i have ever heard. Its like being drunk and getting in a wreak your insurance will pay.

You seem knowledgeable on auto insurance. If my buddy was sued for a million dollars by another motorist who knew the TV was overloaded, would the insurance company pay for the judgement?

Pretty good chance the insurance company will pay UP TO whatever YOUR "INSURED LIMITS" are on your policy declarations page concerning "liabilities". But if your "liabilities" coverage is LESS than what has been brought before court then YOU just might be paying the REST "out of YOUR POCKET"..

To add insult to this, the insurance company HAS the RIGHT to either drop you, keep you and SURCHARGE YOU FOR A MIN OF THREE YEARS (making you "uninsurable" for those three years, IE can not change insurance companies) or force you onto "high risk" insurance (IE same insurance as what drunk drivers or someone who has high drivers traffic violations points).

PLEADING IGNORANCE to being overloaded will not get you a "hall pass".. Some folks like to spin the wheel of fortune and see how long they can "get away" with things.. Sometimes you might win and sometimes you might lose.. Just remember, the "house" ALWAYS has the "odds" in their "favor" when gambling..

It is for those reasons above and not to mention better piece of mind for me that I CHOOSE to buy vehicles which HAVE MORE CARGO CAPACITY than what I need..

Yes, that means I am towing a 26ft 7K lb loaded trailer with a F250 which HAS 3400 lbs of available cargo weight per the door sticker..

Could I get away with a vehicle that has 1500 lbs payload? Sure but it would be very close to going over at least one of the ratings..

Your payload rating sounds about right. I just looked at my coworker's new F150 yesterday. It is a 4WD XLT Ecoboost crew cab with very few other options (no leather, no sunroof, etc.). His door sticker shows max payload of 1287 lb.

Getting sued they pay nothing. Need a court ordered settlement.
And the policy limit would be the max.

jody h wrote:

ryanw821 wrote:

RKW wrote:
I figure I'm overloaded by 250 lbs. I guess I could make the wife and the dogs ride in the trailer (joke). I've been looking at new trailers. Instead I need to be looking at a new TV.

What got me researching my own TV ratings was watching my buddy buy heavier and heavier 5th wheel RV's without changing his TV. Two trailers ago he installed an additional leaf spring to "take out the sag of the truck bed". Then he bought another trailer 3 months ago and said he needed another leak spring! That got us in an argument about him being overloaded. He said he checked the numbers and he was still in range. I told him I didn't check the numbers on his TV but I could still tell he was overloaded just using common sense. The 5th he has now has a dry hitch weight of 1428 lbs. He has a 2004 Nisan Titan 4X4 (half ton). That's just plain nutz.

Sounds like he is probably dangerously overloaded, heaven forbid he was to be involved in, or be the cause of an accident, he could be looking as some serious criminal charges for something like that. Not to mention insurance companies will not usually pay out on any claims if you are past weight limits of the vehicle.

He could add leaf springs till hes blue in the face, it would never change manufacturers ratings of the vehicle, which is all a crime scene or insurance investigator will care about, they may use it against him saying "he KNEW he was overloaded, why else would he add more springs".

Boy people don't know what they are talking about. Your insurance co will pay they don't say we aren't going to pay because your weight was over. Thats the stupidest thing i have ever heard. Its like being drunk and getting in a wreak your insurance will pay.

You seem knowledgeable on auto insurance. If my buddy was sued for a million dollars by another motorist who knew the TV was overloaded, would the insurance company pay for the judgement?

jody h wrote:

ryanw821 wrote:

RKW wrote:
I figure I'm overloaded by 250 lbs. I guess I could make the wife and the dogs ride in the trailer (joke). I've been looking at new trailers. Instead I need to be looking at a new TV.

What got me researching my own TV ratings was watching my buddy buy heavier and heavier 5th wheel RV's without changing his TV. Two trailers ago he installed an additional leaf spring to "take out the sag of the truck bed". Then he bought another trailer 3 months ago and said he needed another leak spring! That got us in an argument about him being overloaded. He said he checked the numbers and he was still in range. I told him I didn't check the numbers on his TV but I could still tell he was overloaded just using common sense. The 5th he has now has a dry hitch weight of 1428 lbs. He has a 2004 Nisan Titan 4X4 (half ton). That's just plain nutz.

Sounds like he is probably dangerously overloaded, heaven forbid he was to be involved in, or be the cause of an accident, he could be looking as some serious criminal charges for something like that. Not to mention insurance companies will not usually pay out on any claims if you are past weight limits of the vehicle.

He could add leaf springs till hes blue in the face, it would never change manufacturers ratings of the vehicle, which is all a crime scene or insurance investigator will care about, they may use it against him saying "he KNEW he was overloaded, why else would he add more springs".

Boy people don't know what they are talking about. Your insurance co will pay they don't say we aren't going to pay because your weight was over. Thats the stupidest thing i have ever heard. Its like being drunk and getting in a wreak your insurance will pay.

I'd check your policy, I said they "will not USUALLY pay out" some might, but many don't in the case of negligence, which is what this would be. Even if they do cover your negligence, I can almost bet they would drop you so fast your head would spin (or at least quadruple your premiums), just like they would do if you were drunk driving.

jody h wrote:

ryanw821 wrote:

RKW wrote:
I figure I'm overloaded by 250 lbs. I guess I could make the wife and the dogs ride in the trailer (joke). I've been looking at new trailers. Instead I need to be looking at a new TV.

What got me researching my own TV ratings was watching my buddy buy heavier and heavier 5th wheel RV's without changing his TV. Two trailers ago he installed an additional leaf spring to "take out the sag of the truck bed". Then he bought another trailer 3 months ago and said he needed another leak spring! That got us in an argument about him being overloaded. He said he checked the numbers and he was still in range. I told him I didn't check the numbers on his TV but I could still tell he was overloaded just using common sense. The 5th he has now has a dry hitch weight of 1428 lbs. He has a 2004 Nisan Titan 4X4 (half ton). That's just plain nutz.

Sounds like he is probably dangerously overloaded, heaven forbid he was to be involved in, or be the cause of an accident, he could be looking as some serious criminal charges for something like that. Not to mention insurance companies will not usually pay out on any claims if you are past weight limits of the vehicle.

He could add leaf springs till hes blue in the face, it would never change manufacturers ratings of the vehicle, which is all a crime scene or insurance investigator will care about, they may use it against him saying "he KNEW he was overloaded, why else would he add more springs".

Boy people don't know what they are talking about. Your insurance co will pay they don't say we aren't going to pay because your weight was over. Thats the stupidest thing i have ever heard. Its like being drunk and getting in a wreak your insurance will pay.

And you suddenly find you've become "uninsurable".

ryanw821 wrote:

RKW wrote:
I figure I'm overloaded by 250 lbs. I guess I could make the wife and the dogs ride in the trailer (joke). I've been looking at new trailers. Instead I need to be looking at a new TV.

What got me researching my own TV ratings was watching my buddy buy heavier and heavier 5th wheel RV's without changing his TV. Two trailers ago he installed an additional leaf spring to "take out the sag of the truck bed". Then he bought another trailer 3 months ago and said he needed another leak spring! That got us in an argument about him being overloaded. He said he checked the numbers and he was still in range. I told him I didn't check the numbers on his TV but I could still tell he was overloaded just using common sense. The 5th he has now has a dry hitch weight of 1428 lbs. He has a 2004 Nisan Titan 4X4 (half ton). That's just plain nutz.

Sounds like he is probably dangerously overloaded, heaven forbid he was to be involved in, or be the cause of an accident, he could be looking as some serious criminal charges for something like that. Not to mention insurance companies will not usually pay out on any claims if you are past weight limits of the vehicle.

He could add leaf springs till hes blue in the face, it would never change manufacturers ratings of the vehicle, which is all a crime scene or insurance investigator will care about, they may use it against him saying "he KNEW he was overloaded, why else would he add more springs".

Boy people don't know what they are talking about. Your insurance co will pay they don't say we aren't going to pay because your weight was over. Thats the stupidest thing i have ever heard. Its like being drunk and getting in a wreak your insurance will pay.

Old-Biscuit wrote:
If your friends truck isn't overloaded....why did he need additional leaf spring and considering more :S

Guarantee he is over on GVWR, RAWR and more than likely rear tire MAX Load Rating.

A quick trip across the scales.....nevermind he is in denial

ryanw821 wrote:

RKW wrote:
I figure I'm overloaded by 250 lbs. I guess I could make the wife and the dogs ride in the trailer (joke). I've been looking at new trailers. Instead I need to be looking at a new TV.

What got me researching my own TV ratings was watching my buddy buy heavier and heavier 5th wheel RV's without changing his TV. Two trailers ago he installed an additional leaf spring to "take out the sag of the truck bed". Then he bought another trailer 3 months ago and said he needed another leak spring! That got us in an argument about him being overloaded. He said he checked the numbers and he was still in range. I told him I didn't check the numbers on his TV but I could still tell he was overloaded just using common sense. The 5th he has now has a dry hitch weight of 1428 lbs. He has a 2004 Nisan Titan 4X4 (half ton). That's just plain nutz.

Sounds like he is probably dangerously overloaded, heaven forbid he was to be involved in, or be the cause of an accident, he could be looking as some serious criminal charges for something like that. Not to mention insurance companies will not usually pay out on any claims if you are past weight limits of the vehicle.

He could add leaf springs till hes blue in the face, it would never change manufacturers ratings of the vehicle, which is all a crime scene or insurance investigator will care about, they may use it against him saying "he KNEW he was overloaded, why else would he add more springs".

I'm going to personally look at his door sticker and get the real skinny on his limits. Then I'm going to tell him about his legal liabilities and the insurance angle.

The difference is due to 2 reasons:

1) The high payload rating is for a base model.

2) GM and Ford are/were both liars when it comes to their payload ratings. They each do/used to remove equipment (like bumpers, spare tires, radios, and center consoles) before weighing the truck so they can artificially increase the payload rating.

LINK